How do you enroll with CAA insurance?

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Quick Answer

The California Apartment Association offers discounted property and casualty insurance products to its members through the CAA Value Service Plan, in partnership with the rental housing insurance brokerage firm Assurance Risk Managers Multi Insurance Services. Association members can apply for coverage online at CAANet.org. Policies offered include auto, commercial property, liability, worker's compensation and tenant liability, according to the Association. Flood, earthquake, renter's insurance, umbrella policies and fire insurance are also offered through the program.

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CAA is a trade group representing the interests of building owners, community managers, investors, developers and suppliers of apartment communities in the state of California. Some of the insurance products are only available to association members who provide their membership number on the application, but auto, life, homeowner, umbrella policies and renter's insurance are available to resident individuals who are not members, according to the CAA website.

Renter's insurance protects the contents of an apartment in cases of theft or damage, according to the California Department of Insurance. The landlord's insurance policies on the building do not cover the belongings of renters. Renter's insurance is not required by law in California but is offered by many major California insurance companies. Apartment building owners may want their tenants to purchase renter's insurance in order to protect the landlord from certain liabilities, according to Insurance.com.